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Cheery's country living adventure
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Check if your mortgage provider allows 'porting' if you think you may move. That means that if you do move house they'll just move your mortgage with you so no early repayment charges.
2019: £16,125/£16,125
2020: £14,172.64/£14,172.64
2021: £3,333.62/£12,333.62
Retired August 2016
Paid off French mortgage September 2018
New kitchen fully installed June 2019
Not counting this! 2020
Garden fencing completed, woohoo 2021
Had a chat with Mr Cheery, who has emphasized that my sanity is important:o :rotfl: and reminded me that for his previous mortgage (which I wasn't on as I didn't know him for most of it) he stayed with the same provider for the whole 25 years as he couldn't be bothered switching :eek:
We've also decided that while my wages will increased a little year on year (and if I do get the promotion I"m going for this year there will be a bit of a jump), we're unlikely to be in a place in 2 years time where an increased of £400 a month (onto SVR) wouldn't be significant.
So in that sense it makes sense to go for a 5 year fix.
And given the months of stress and the fact that I'm having slight palpitations even thinking about trying to get a different mortgage after the nightmare of last time
I will run the numbers when the MSE calculator is up and running, but I think it DOES make sense to pay an upfront fee for a reduced rate, so we'll likely use the MB money for that, which will mean we'll be on 2.06% for 5 years (instead of our current 1.8%)
Then once it's settled we can crack on with overpaying as much as possible before the fix is up :j :j
But I was just being realistic in that we never know what will happen in the next 5 years. I might lose my job (hope not!!) and we would have to downsize. Or if one of us couldn't drive for whatever reason living here would become quite difficult, if not impossible.
But let's hope neither of things will happen :eek:
Retired August 2016
Paid off French mortgage September 2018
New kitchen fully installed June 2019
Not counting this! 2020
Garden fencing completed, woohoo 2021
The MSE calculator is back up and running again now, and it seems I can save around £800 over the 5 year fix by paying £1600 up front :eek:
Need to do the calculations to figure out if it would be better if we just overpaid that £1600 (in fact I suppose we could overpay it now, before the interest goes up)
Confess I'm slightly bored of all these calculations now though
All go today! Saw a walker looking lost on the footpath this morning (honestly, I do strim it and have even painted little yellow arrows on the walls!) so went out and it turned out I'd met her before walking her dog before somewhere else. We had a chat, and swapped numbers, and she's offered to chicken sit if we need her to
Then a nice bloke turned up to change my tyres - I'm a convert to having my tyres changed outside my house, especially now I don't live anywhere near the garage :j It wasn't any more expensive either, in fact I'm pretty sure it was cheaper :money: HOWEVER they really shouldn't have worn down, as I'd only had them put on this year :eek: So now that stupid car has to go back to the garage again.
Honestly, they take it in bloody turns those cars!
Work is vexing me today. I have a large significant deadline at 4.30pm today which I CANNOT miss, and which I also cannot meet unless someone else provides their signature. They've had all week to do this - and this morning they have chosen to quibble about something. :wall:
I literally can't do anything about it (it's in someone else's hands now), but I'm having to accept that today is not going to be a day for productively getting on with other things
Over-reacting? Moi? :rotfl:
I had a load of deadlines today, all dependent on other people. Not all have been met, and I'm off for a couple of days - very well advertised, but people seem to have forgotten and are asking me for stuff for end of the week. So I've mowed the lawn.
I received my signature with 15 mins to spare, and met my deadline with 10 mins to spare. NOT acceptable when this is an externally set deadline that has knock on effects both for the organisation and for my career if we didn"t meet it :eek:
Nobody would have died of course, but I have now had several apologies from various parties so I hope lessons will be learned :eek:
Mr Cheery has had a similarly vexing day for different reasons so we tried to go out for tea but were thwarted by our favourite restaurant being shut for no reason. So we came home via the supermarket for treats and will spend the evening on the sofa with a lot of well-deserved booze instead :rotfl: